Cosmetology Insurance Requirements For Hawaii Residents
Excellent-rated cosmetologist liability insurance that covers beauty professionals for more than 500+ beauty and wellness services.
Live streaming and pre-recorded video covered
Safe and Secure Online Checkout
Occurrence-form for complete protection
500+ modalities covered including Acro & SUP yoga, Reiki and more.
How Much Does Cosmetology Insurance Cost in Hawaii?
With NACAMS, our policy options cost as low as $0.45 per day and can save you potentially hundreds of thousands of dollars if a lawsuit were to occur. Even the most experienced cosmetologist could be held liable if a client were to be injured during your services.
One of the top reasons professionals choose NACAMS as their professional liability insurance provider is because we cover dual practitioners offering services like hair cuts, facials, meditation and more for one low cost.
FULL time
1 Year
$179
Full time
2 Year (saves you $29!)
$329
Student
1 Year
$60
Student Policy Notice: to be eligible for the student policy, you must be currently enrolled in your first YTT. Pro tip: students can buy the $60 student insurance policy from NACAMS on the last day of their training, and that policy is good for the next 364 days, even if you are teaching full-time!
While you may not have considered it, professional insurance is an investment every cosmetologist should make.
In this field, you never know what can go wrong or what a client is going to blame you for. Even if you are covered partially by an employer’s insurer, it is only to a certain extent. So, it is in your best interest to have a personal policy on your side. Not only does it give you the peace of mind in knowing you are covered, it is also going to protect you against false claims a client might make, which would lead to some kind of problem with your license and future career in the field.
A NACAMS Policy Includes:
500+ Modalities Covered—No Extra Cost
You’re covered for over 500 yoga, massage, & beauty modalities like facials, hair color, chemical treatments, and more. We make it easy for dual practitioners.
Get free member benefits such as an easy-to-customize website, up to 25% of Hertz, up to 75% off Office Depot, up to 50% off UPS, up to 30% off Lenovo, up to 60% off of hotels worldwide, and 40% off universal background screening.
Free Certificate of Insurance
Purchase online or over the phone and you are instantly insured. Download your free certificate of insurance (COI) directly in your member poral.
Access to the Health Insurance Marketplace
Get access to affordable health care, vision and dental. Plus get the option to obtain Telehealth allowing you to consult with a physician 24/7/365 via telephone, video, or mobile app—with only a $10 copay.
Our part-time policy covers you for 10 hours or less (the highest in the industry) and has the same coverage as the full-time policy. Also, save $78 by getting the 2-year cosmetology insurance policy.
Working as a HI cosmetologist, you will have finished 1800 hours or 3600 hours as an apprentice and completed the state’s required exams before begin your work as a professional cosmetologist. While helping others to look their best, you are going to work with various types of equipment, including hair dyes and scissors to styling tools, and other heat-related equipment. For this reason, it is important to protect yourself with the right cosmetologists insurance policy. It will protect you in the event that you encounter an unfortunate lawsuit, whether while working for someone else or as an independent contractor. It will allow you to keep your license and to avoid the possible ramifications or high costs that come along with paying a client out for a claim.
One main reason to protect yourself with cosmetologists insurance is the fact that equipment may malfunction. While it’s possible that the employer you work for is going to cover things up to a certain amount, this is not always a guarantee. If you don’t have personal insurance, you are going to be paying the remainder of the cost out of pocket. If the injuries which are sustained by a client are severe, it can really end up costing you quite a bit of money, and possibly more than you can comfortably pay; further, it can lead to damages, such as emotional distress, if a client is physically injured in any way by the equipment.
You aren’t perfect, and this is another reason that you should buy your own personal policy. If you do something a client is not happy with, if you make a mistake on their hair, if you burn their scalp, or do anything else that will result in a look that wasn’t desired, you are going to pay for it if the client decides to file a suit. Depending on how bad it is, the cost may end up being quite high, and if you do not have a personal policy, you are going to have to find a way to cover those expenses. One lawsuit could potentially put you out of business.
Stay Protected With An Occurrence-Form Policy
Occurrence Form (also known as Occurrence Based) is the industry-preferred policy type because you are covered for any incident that happened while your policy was in effect, even if your policy has expired.
Other providers sell Claims-made policies, where any claim filed after the policy expires will not be covered. No matter if you choose NACAM or not, definitely make sure your provider has "occurrence form" coverage.
What Our Customers Are Saying
We are proud that NACAMS is rated a 4.7/5 (Excellent) on Truspilot. Read some of our reviews below!
It was a no brainer that I would choose Nacams as my liability insurance. You get a better value at a reasonable cost.
Sally
This is a very easy, efficient, affordable and well crafted solution which avoids the horrific confusion that most insurance provided cannot seem to avoid.
Elizabeth
I feel confident with Nacams insurance in my reiki business.
Nancy
Love this Company! Very easy to move around and shop for the best policy, not to mention the best price!
Suzanne
While my customers do sign a liability waiver on behalf of the business where I am an employee, I'd prefer to have this backbone behind me protecting my person and any damage an unruly person could assert. Thank you NACAMS for protecting me professionally!
Jenn
Very easy and straightforward. Easy to locate my modalities on the website to ensure they are covered.
James